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Find FHA Loan Specialists Near You in St James, NY
Looking for a fha loan specialist in St James? Review the directory below to compare your options.
2 agents listed
Updated May 2026
St James, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New York before hiring.
Showing 2 fha loan specialists in St James, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
All Shores Mortgage
452 Lake Ave, St James, NY 11780
6316865200
Henry Schimmel - Mortgage Loan Officer
621 Lake Ave, St James, NY 11780
6316625208
An FHA loan specialist in St James New York helps homebuyers navigate federally insured mortgages with lower down payments. New York State law requires all mortgage loan originators to be licensed through the Department of Financial Services. Local specialists understand Suffolk County property values and can guide you through the FHA appraisal process.
What Does a FHA Loan Specialist in St James Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1 to 2 percent of the loan amount. The upfront mortgage insurance premium is 1.75 percent. Annual mortgage insurance premiums vary from 0.45 to 1.05 percent based on loan term and down payment. Closing costs in Suffolk County often range from 3000 to 10000 dollars. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan requirements in New York?
FHA loans require a minimum down payment of 3.5 percent for borrowers with a credit score of 580 or higher. The property must meet FHA safety and livability standards. New York also requires a home inspection for most FHA loans.
How do I find a licensed FHA loan specialist in St James?
You can search the Nationwide Mortgage Licensing System database to verify a loan originator license. Look for specialists who have experience with FHA loans in Suffolk County. Local real estate agents can also provide referrals.
What costs are involved with an FHA loan in New York?
FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in New York typically range from 2 to 5 percent of the purchase price.
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Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New York.